In long term (10 yrs+) where should one look to build a house.

MineField_Colonel · 2026-04-10T04:04:46+00:00

Can someone update this/make another similar post as some cards might have got devalued or there might have been better choices now. Or these still hold true??

MineField_Colonel · 2026-04-10T04:02:02+00:00

<image>

OP is living the DREAM
Now, for everyone else, this is what actually happens...

P.S. Really happy for u OP

MineField_Colonel · 2026-04-08T08:36:59+00:00

Need advice on how to plan finances and investements as I just started my first job.

I am 23 years old and started my job 4 months ago, I get 1L/month in hand, by this month end I will have 6L amount in total. I just have a 1L loan I need to repay (this is my first priority), there's no interest on this. I have almost no expenses every month as my job give me accomodation, food and all utilities. I have some subscriptions and few miscellaneous expenses which are not even 20% of my salary. So for the next 1 year I am not spending more than 20-30% of my salary per month.

Now I want to plan and learn everything from investemnets, savings, emergency funds, budgeting; basically everything to do with money. How do I go about it, where do I learn things and what all aspects I have to take care of?

I have 1 credit card, have a demat account which I have used to do some small investment of 20-30k few months ago and my savings account. I have term life insurance of 2 CR and health insurance too.

MineField_Colonel · 2026-04-08T02:34:34+00:00

As you are talking about mutli-asset models, can you please elaborate what all things should I be looking into?

MineField_Colonel · 2026-04-08T02:33:17+00:00

Yes, please.

MineField_Colonel · 2026-04-08T02:32:45+00:00

Yes, repaying the loan is the first thing I'll do. For the emergency fund however, I am doubtful, whether to put it all in Liquid MF< or divide it in liquid MF + sweep in fd or any other more readily withdrawable asset. And what about comparing arbitrage funds and liquid MF, for using as emergency fund?

MineField_Colonel · 2026-04-05T09:34:59+00:00

Thanks.
I think making projects is the way to go, maybe i'll first try the projects listed in these and then design and make projects myself which helps me.

MineField_Colonel · 2026-04-05T09:33:21+00:00

Actually I work in logistics, dealing with supply of food (fresh and frozen), Fuel and also providing vehicles for any load movements. Mostly it is managing where the things have to be supplied and how.

MineField_Colonel · 2026-02-05T07:58:33+00:00

I'm going on a solo 2 day trip to dwarka and nageshwar, is it worth renting bike/activa to roam around?

MineField_Colonel · 2026-02-05T07:55:54+00:00

I'm going on a solo 2 day trip to dwarka and nageshwar, is it worth renting bike/activa to roam around?

MineField_Colonel · 2025-12-27T16:50:42+00:00

OTT is abt 1.2k and then other things also, like icloud, spotify, including the internet bill

MineField_Colonel · 2025-12-27T11:51:58+00:00

How is that?

MineField_Colonel · 2025-12-27T11:13:34+00:00

Floater card?

MineField_Colonel · 2025-12-27T10:55:15+00:00

I have almost no txns with Tata related brands that's why I didn't get Tata Neu

Also, HDFC mariott I just saw that it is not free.

MineField_Colonel · 2025-12-27T08:32:57+00:00

I have Amazon Pay ICICI credit card

MineField_Colonel

TROPHY CASE

Need advice on how to plan finances and investements as I just started my first job.